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Claims and Renewal Under Cholamandalam Health Insurance

By Juhi Walia
31 August 2022, 10:34 AM

Murugappa Group of India and Mitsui Sumitomo Insurance Company Limited of Japan have joined forces to form Cholamandalam MS Health Insurance. The organisation is well-known for its trustworthiness, transparency, and the use of cutting-edge technology to provide exceptional services to policyholders. It provides a variety of health insurance policies, including critical illness plans, top-up plans, hospitalisation plans, and much more. 

With Cholamandalam health insurance coverage, you can easily access superior healthcare services in the event of an unexpected medical emergency. It covers your hospitalisation bills, including in-patient and post-hospitalisation fees, and keeps you stress-free in the event of a medical emergency. It reduces your financial stress by sharing the weight. To have such services going on, it’s important to renew Cholamandalam MS health insurance. You can renew your health insurance policy easily by choosing any of the online and offline ways. 

Cholamandalam MS Health Insurance

Cholamandalam MS Health Insurance offers its customers complete coverage and ensures that all their needs are met under their acquired health insurance policy. Consider the following standard characteristics of Cholamandalam MS Health Insurance:

  • The company offers a network of over 8000 affiliated hospitals that allow for cashless claim advantages.
  • In the fiscal year 2019-20, the firm's claim settlement ratio was 56.25%.
  • Customers can renew their policies for a lifetime with the company.
  • It also provides policyholders with short-term COVID-19 coverage to help them deal with the global pandemic.

What Steps Shall You Take to Register a Cholamandalam Health Insurance Claim?

Cholamandalam accepts cashless as well as reimbursement claims. Simply put, therapy must be obtained from a network hospital of the insurance provider in order to file a cashless health insurance claim.

The list of Cholamandalam medical insurance hospitals is available in the policy documentation or on its website. You must first approach the TPA and request pre-authorization, following the method outlined in the approved form.

How to File Cashless Cholamandalam Medical Insurance Claims?

  • Visit any of the Cholamandalam health insurance network hospitals.
  • Submit your Cholamandalam health insurance card and a government-approved identity proof (Aadhaar Card, Voter ID, Pan Card, Driving Licence, Passport, etc.).
  • Fill up the pre-authorization form available at the TPA Desk or the hospital's insurance desk.
  • After verifying your request, the claim management staff will send you an approval letter.
  • The health insurance company will settle the bills directly with the network hospital. Any non-payable items will be your responsibility.

If your authorization is denied due to a technical glitch, begin treatment right away and file a reimbursement claim. 

If it is a reimbursement claim, the insured must notify the insurer in accordance with the procedures outlined in the Cholamandalam health insurance booklet. To get reimbursed, you must submit supporting documents such as a discharge summary, medical bills, and medicines, as well as the completed claim form. The following is a step-by-step claim procedure for filing a Cholamandalam health insurance claim:

How Can I Submit a Cholamandalam Medical Insurance Reimbursement Claim?

Begin the application process by correctly filling up the form and submitting it together with the required papers.

  • Documents required include a discharge report, medical bills, a doctor's prescription, and so forth.
  • Before issuing the letter, the claim management staff will inquire, and you should be available to answer any questions. They will send the permission letter following the investigation.
  • If the claim is denied, they will communicate and explain why.
  • In the event of an emergency, you must notify the insurance company within 24 hours of admission. In the event of planned hospitalisation, you must notify the insurance company 48 hours in advance.
  • You can file a claim by contacting the toll-free number or writing to Cholamandalam health insurance customer service at customercare@cholams.murugappa.com.
  • Use the claim reference number issued by the customer service executive to verify the progress of your Cholamandalam health insurance claim.

What Documents are Necessary for Chola Ms Health Insurance Claim Registration?

The requirement of documents may vary as per the situation. However, here is a list of some of the most typical documents you may need to submit:

  • Signed and completely filled claim form.
  • Hospital-issued discharge statement or card
  • A doctor's prescription advising hospitalisation
  • Medical investigation findings
  • All medical treatment-related records and bills
  • Receipts for payments
  • Medicine bills accompanied by prescriptions
  • If implants are used during the procedure, a sticker or invoice will be requested.

How Do I Renew My Cholamandalam Health Insurance Policy?

One of the most significant components of your health insurance plan is renewal. Every policy has a set period during which it must be renewed. Otherwise, you'll be uninsured or the coverage will expire.

As a result, renewing your coverage on time is essential. And there is no better way to renew your coverage than to do so online. This is how you may renew your Cholamandalam health insurance online:

  • Go to Cholamandalam's official webpage.
  • Click on ‘renew Chola MS Policy’.
  • Click on the ‘health’ button.
  • Enter your policy number and date of birth.
  • Click on ‘proceed’.
  • Your Cholamandalam health insurance premium quotes will appear on the screen.
  • Pay the premium with a credit card, debit card, or net banking.
  • Print the premium receipt and continue to enjoy the policy's coverage.

You can even visit the nearest branch of Cholamandalam to renew your health insurance policy. Offline renewal payment options include cheque, demand draft, etc.


Cholamandalam health insurance provides health coverage with appealing features and benefits, as well as a simple claim process. You must carefully read the policy-related documents to ensure no confusion during the claim settlement procedure. If you are dissatisfied with the services provided by the purchased health insurance cover, you can port your policy to Cholamandalam MS Health Insurance on renewal.

The organisation settles the claim seamlessly once documentation goes fine. As a result, Cholamandalam medical insurance policies are unquestionably a safe bet!

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1. Can we file an insurance claim after three months?

Customers do not receive any claim compensation from the insurer between 30 to 90 days after purchasing health insurance. This includes both planned and emergency hospitalisation. Customers must wait 30 to 90 days after purchasing the policy before filing a claim.

2. How can I find the status of my Chola claim?

You can check the status of your Chola MS mediclaim coverage claim by texting "CHOLA" to 56677. 

3. What is a medical claim investigation report?

Reports of Investigation ( like scans, X-rays, blood reports, etc) Receipts from hospitals or pharmacies. A copy of the KYC paperwork. If an accident occurs, an FIR or medico legal certificate (MLC), doctor's consultation documents, and pre-admission investigations must be completed. 

4. What is the claim limit?

A limit is the maximum sum that your insurer will pay for a claim that falls under the purview of your insurance policy. Your insurance coverage will pay up to a specified amount in case you submit a covered claim. Any expenses that go over the allotted amount are your responsibility.

5. What does a health insurance renewal bonus mean?

The insurance company provides the insured bonus upon a claim-free year on renewal. For the renewal year, this advantage is transferred in the form of an increase in the sum covered, for which there is no premium rise.

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